Credit Repair Terms & Conditions
These Terms & Conditions apply specifically to credit repair services provided by DR&V Financial Services LLC (“the Company”).
For general website usage, electronic communications, and SMS/WhatsApp terms, please refer to our main Terms & Conditions.
Nature of Services
DR&V Financial Services provides credit education and assistance services.
We do not provide legal advice or act as a law firm.
No Guarantee of Results
We do not guarantee the removal of negative items or specific credit score improvements.
Results vary depending on individual credit history, accuracy of information, and cooperation from credit bureaus and creditors.
Client Rights (FCRA Notice)
You have the right to dispute inaccurate or incomplete information on your credit report at no cost by contacting credit bureaus directly.
You are not required to use our services to exercise your rights under the Fair Credit Reporting Act (FCRA).
Client Responsibilities
By using our services, you agree to:
- Provide accurate and complete information
- Respond to requests in a timely manner
- Review all documents and communications
- Maintain active participation in the process
Failure to do so may affect the outcome of your case.
Authorization
By enrolling in our services, you authorize DR&V Financial Services to act on your behalf in communicating with credit bureaus and creditors as necessary.
This authorization does not grant access to your financial accounts or decision-making authority.
Fees and Payments
Fees for services will be disclosed separately and agreed upon before services begin.
No services will be performed until proper authorization is received.
Services will be provided in compliance with applicable laws, including restrictions on advance fees where required.
No Professional Liability
DR&V Financial Services LLC is not responsible for:
- Decisions made by credit bureaus or creditors
- Failure to remove negative items
- Changes in credit score
- Delays caused by third parties
Limitation of Liability
To the fullest extent permitted by law, DR&V Financial Services LLC shall not be liable for any direct, indirect, incidental, or consequential damages resulting from the use of our services.
Compliance with Laws
Our services are intended to comply with applicable federal and state laws, including the Fair Credit Reporting Act (FCRA).
Electronic Communications
By using our website and submitting your information, you agree to receive communications from DR&V Financial Services electronically, including SMS and WhatsApp messages, based on your consent.
Message frequency may vary. Message and data rates may apply.
You may opt out at any time by replying STOP. For assistance, reply HELP.
Service Availability
Our services may vary based on location, eligibility, and applicable state laws.
Changes to Terms
We reserve the right to update or modify these Terms & Conditions at any time without prior notice.
Relationship with Main Terms
These terms are supplemental to our main Terms & Conditions.
All digital communications, including website usage, SMS, and WhatsApp communications, are governed by the main Terms & Conditions.
Contact Information
DR&V Financial Services LLC
Email: drvfinancials@aol.com
Phone: (954) 654-0297
If you have any questions regarding these Terms & Conditions, you may contact us using the information above.